Feel like you’re a prisoner to an expensive car insurance policy? Say no more because there are a lot of people in San Diego just like you who feel imprisoned by their car insurance policy.
Unthinkable but true, the vast majority of drivers have stayed with the same insurance company for at least the last four years, and nearly half have never shopped around. With the average car insurance premium being $1,847, U.S. drivers can save hundreds of dollars each year just by comparing rates, but they won’t spend time to compare rate quotes online. Insurance companies such as Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with ads and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.
It’s a great practice to compare premium rates once or twice a year since prices are variable and change quite frequently. Just because you had the lowest rate on Chevy Cobalt insurance in San Diego on your last policy you can probably find a lower rate today. Ignore everything you know about car insurance because we’re going to demonstrate the fastest way to eliminate unnecessary coverages and save money on Chevy Cobalt insurance in San Diego.
The best way to compare car insurance company rates for Chevy Cobalt insurance in San Diego is to know the trick auto insurance companies participate in online systems to quote your coverage. All you need to do is provide the companies a bit of rating information such as deductibles desired, what you do for a living, how much you drive, and your credit rating estimate. That rating information is sent automatically to multiple insurance providers and you should receive rate quotes very quickly.
To find lower lower-cost Chevy Cobalt insurance rates now, click here and find out if lower rates are available in San Diego.
The companies in the list below can provide comparison quotes in San Diego, CA. If the list has multiple companies, we recommend you click on several of them in order to find the most competitive rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $210 | $426 | $654 | $38 | $196 | $1,524 | $127 |
| Cobalt XFE 4-Dr Sedan | $204 | $524 | $674 | $40 | $202 | $1,644 | $137 |
| Cobalt LS 2-Dr Coupe | $434 | $810 | $724 | $42 | $216 | $2,226 | $186 |
| Cobalt XFE 2-Dr Coupe | $252 | $502 | $568 | $34 | $170 | $1,526 | $127 |
| Cobalt LT 4-Dr Sedan | $366 | $914 | $650 | $38 | $194 | $2,162 | $180 |
| Cobalt LT 2-Dr Coupe | $300 | $576 | $530 | $32 | $158 | $1,596 | $133 |
| Cobalt SS Turbo 2-Dr Coupe | $272 | $606 | $530 | $32 | $158 | $1,598 | $133 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can decrease or increase premium rates noticeably.
Chevrolet Cobalt insurance costs by age and gender
The example below illustrates the comparison of Chevrolet Cobalt insurance costs for male and female drivers. The rates are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.
Choosing deductibles
A question often asked by San Diego drivers is which comprehensive and collision deductibles to buy. The comparisons below summarize the costs and benefits when you buy lower versus higher insurance deductibles. The first set of rates uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $298 | $678 | $500 | $30 | $150 | $1,681 | $140 |
| Cobalt XFE 4-Dr Sedan | $298 | $678 | $500 | $30 | $150 | $1,681 | $140 |
| Cobalt LS 2-Dr Coupe | $342 | $678 | $552 | $32 | $166 | $1,795 | $150 |
| Cobalt XFE 2-Dr Coupe | $342 | $678 | $552 | $32 | $166 | $1,795 | $150 |
| Cobalt LT 4-Dr Sedan | $342 | $678 | $500 | $30 | $150 | $1,725 | $144 |
| Cobalt LT 2-Dr Coupe | $386 | $678 | $552 | $32 | $166 | $1,839 | $153 |
| Cobalt SS Turbo 2-Dr Coupe | $430 | $882 | $552 | $32 | $166 | $2,087 | $174 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $242 | $546 | $500 | $30 | $150 | $1,468 | $122 |
| Cobalt XFE 4-Dr Sedan | $242 | $546 | $500 | $30 | $150 | $1,468 | $122 |
| Cobalt LS 2-Dr Coupe | $278 | $546 | $552 | $32 | $166 | $1,574 | $131 |
| Cobalt XFE 2-Dr Coupe | $278 | $546 | $552 | $32 | $166 | $1,574 | $131 |
| Cobalt LT 4-Dr Sedan | $278 | $546 | $500 | $30 | $150 | $1,504 | $125 |
| Cobalt LT 2-Dr Coupe | $314 | $546 | $552 | $32 | $166 | $1,610 | $134 |
| Cobalt SS Turbo 2-Dr Coupe | $348 | $712 | $552 | $32 | $166 | $1,810 | $151 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in specific location information which can alter coverage prices greatly.
Based on the figures above, using a $250 deductible costs about $19 more each month or $228 annually than quoting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 13 months between claims, you would probably be better off going with the higher deductible. Here is a better example of how you can make your own decision.
| Average monthly premium for $250 deductibles: | $150 |
| Average monthly premium for $500 deductibles (subtract): | – $131 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
Physical damage deductible comparison
The diagram below shows how different deductible levels and can influence Chevrolet Cobalt yearly insurance costs for different age groups. Data assumes a married male driver, full coverage, and no discounts are applied to the premium.
Insuring your Chevy Cobalt just makes sense
Despite the high insurance cost for a Chevy Cobalt in San Diego, insurance is most likely required but also gives you several important benefits.
First, most states have minimum liability requirements which means you are required to buy specific minimum amounts of liability insurance if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Cobalt has a loan, it’s most likely the lender will force you to have full coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may have to buy a policy to insure your Chevy at a significantly higher premium and require you to fork over for it.
Third, insurance safeguards not only your Chevy but also your assets. It will also pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay for a defense attorney if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of buying auto insurance more than cancel out the cost, particularly if you ever have a claim. An average driver in America overpays more than $869 every year so smart consumers compare quotes at least once a year to ensure rates are inline.
What Determines Chevy Cobalt Insurance Prices?
Lots of things are considered when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but some are less obvious like your continuous coverage or your commute time. Part of the car insurance buying process is learning the factors that play a part in calculating your policy premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that can help you get cheaper rates.
The itemized list below are some of the major factors car insurance companies consider when setting your rates.
Your employer can affect rates – Do you work in a high-stress field? Careers such as judges, air traffic controllers, and accountants tend to have the highest rates due to intense work-related stress and long work days. On the other hand, occupations like professors, students and performers have the lowest average rates.
Drive a fast car and pay more – The type of car you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. The cheapest insurance rates will normally be found when insuring economy passenger cars, but the cost you end up paying is determined by many additional factors. Since the Chevrolet Cobalt is a passenger car, insurance will be similar in price or lower than the average rate where you live in San Diego.
Premiums are affected by your credit score – A driver’s credit score factor in your rate calculation. Insureds that have good credit tend to be less risk to insure than drivers who have bad credit. If your credit history is not that good, you could potentially save money when insuring your Chevrolet Cobalt if you improve your credit rating.
Cheaper to insure women? – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean females are better drivers. Both sexes are responsible for fender benders in similar numbers, but men have costlier accidents. Not only that, but men also get more serious tickets like reckless driving and DUI.
Buy a safe car and pay less – Cars with five star safety ratings tend to be cheaper to insure. These vehicles reduce injuries and lower injury rates translates directly to fewer claims which can result in lower premiums. If your Chevy is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
Affordable rates on Chevy Cobalt insurance in San Diego with these discounts
Car insurance is not inexpensive, but you may be missing some discounts that you may not even be aware of. Many of these discounts will be applied automatically when you get a quote, but a few must be requested specifically before you will receive the discount. If they aren’t giving you every credit possible, you’re just leaving money on the table.
- Life Insurance Discount – Larger insurance carriers have a break if you buy a life policy as well.
- Safety Course Discount – Completing a safe driver course could cut 5% off your bill if you qualify.
- Claim-Free Discount – Insureds with no claims or accidents can earn big discounts when compared to bad drivers.
- Bundled Policy Discount – When you combine your auto and home insurance with the same insurance company you could earn a discount of as much as 10 to 15 percent.
- Driver’s Education for Students – Require your teen driver to complete a driver education course in school or through a local driver safety program.
- Data Collection Discounts – Insureds who allow their company to look at their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they have good driving habits.
You should keep in mind that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like medical payments or collision. So when it seems like you could get a free car insurance policy, you won’t be that lucky.
Some companies that possibly offer some of the discounts shown above possibly include:
Before buying, ask each company which credits you are entitled to. A few discounts may not apply in every state. To see a list of companies who offer cheap Chevy Cobalt insurance quotes in San Diego, click this link.
You are unique and your car insurance should be too
Always remember that when buying the right insurance coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that.
Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.
- Which companies are cheaper for teen drivers?
- What is the premium to book value ratio for dropping full coverage?
- Are there companies who specialize in insuring high-risk drivers?
- Why do I need rental car insurance?
- Are my tools covered if they get stolen from my vehicle?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Exclusive and independent insurance agents
Certain consumers just want to go talk to an agent and often times that is recommended Licensed agents are trained risk managers and will help you if you have claims. The biggest benefit of comparing rate quotes online is that you can find cheap rate quotes and still have a local agent. Putting coverage with neighborhood agents is definitely important in San Diego.
Upon completion of this short form, your information is emailed to companies in San Diego that give free quotes to get your business. You won’t need to contact an agency since price quotes are sent straight to your inbox. If you wish to compare rates from a specific insurance provider, feel free to jump over to their website to submit a rate quote request.
When searching for a local San Diego insurance agent, it’s helpful to know the different types of agents to choose from. Agencies in San Diego can either be independent (non-exclusive) or exclusive. Either can sell affordable insurance policies, but it’s worth learning the differences because it can factor into your selection of an agent.
Independent Insurance Agencies
Agents in the independent channel are not employed by one company so they can quote policies with a variety of different insurance companies and help determine which has the cheapest rates. If prices rise, they simply switch companies in-house without you having to go to a different agency.
When comparing rate quotes, it’s a good idea to get some free quotes from several independent agencies to ensure the widest selection of prices.
Listed below is a short list of independent insurance agencies in San Diego that can possibly get you pricing information.
Nickie Heath Insurance Agency
16855 W Bernardo Dr # 230 – San Diego, CA 92127 – (858) 487-3737 – View Map
Nationwide Insurance: Richard Turner Insurance Agency
3443 Camino del Rio S #221 – San Diego, CA 92108 – (619) 296-6222 – View Map
Alcott Insurance
3945 Idaho St – San Diego, CA 92104 – (619) 293-3800 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only provide pricing for a single company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are usually well trained on their company’s products which helps them sell on service rather than price.
Shown below is a short list of exclusive insurance agencies in San Diego willing to provide rate quotes.
John Tran – State Farm Insurance Agent
2820 Camino del Rio S Ste 310 – San Diego, CA 92108 – (619) 291-1787 – View Map
Dave Murphy – State Farm Insurance Agent
12121 Scripps Summit Dr Ste 100 – San Diego, CA 92131 – (858) 621-6681 – View Map
Mike Davis – State Farm Insurance Agent
2254 Moore St #103 – San Diego, CA 92110 – (619) 295-8412 – View Map
Picking an insurance agency requires you to look at more than just the bottom line cost. Here are some questions to ask:
- Do they get extra compensation for selling add-on coverages?
- How many years have they been established?
- How is replacement cost determined on your vehicle?
- Are they able to provide referrals?
- Does the agent have professional designations like CIC, CPCU or AIC?
- In the event of vehicle damage, can you pick the collision repair facility?
- Is every driver in your family covered?
Cheap insurance premiums are possible
You just read a lot of tips how to save on Chevy Cobalt insurance in San Diego. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from a small local company. These companies can often provide lower rates in certain areas compared to the large companies like State Farm, GEICO and Nationwide.
As you quote San Diego auto insurance, you should never sacrifice coverage to reduce premiums. Too many times, someone dropped liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to get the best coverage possible at the best possible price but still have enough coverage for asset protection.
More learning opportunities
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for Inexperienced Drivers in San Diego? (FAQ)
- How Much are Auto Insurance Rates for a Dodge Grand Caravan in San Diego? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Teenagers in San Diego? (FAQ)
- What Auto Insurance is Cheapest for Felons in San Diego? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Teen Driving and Texting (State Farm)